Magnolia Health (Ambetter) of Mississippi Insurance for Rehab

Does Magnolia Health (Ambetter) of Mississippi Cover Rehab?

Yes, you can use your Ambetter from Magnolia Health plan to cover some, if not all, of the cost of rehab and other addiction treatment in Mississippi or elsewhere. The Affordable Care Act (ACA) requires all health insurance plans to offer coverage for 10 essential health benefits, which includes, among other services, treatment for mental health and substance use disorders.³

This means that Ambetter from Magnolia Health covers behavioral health treatment—such as psychotherapy and counseling—mental and behavioral health inpatient services, and substance use disorder treatment.³

The amount of coverage depends on your specific plan. To find out the details of your insurance plan, you can contact American Addiction Centers (AAC) at and speak to one of our knowledgeable admissions navigators anytime, 24/7. They can help you verify your insurance and connect you to treatment centers that meet your needs.

Types of Treatment Covered by Magnolia Health (Ambetter) of Mississippi

While the specifics of every Ambetter from Magnolia Health plan differ from one individual to the next, all plans cover at least part of the cost of treatment for substance use disorders.^2,3

The type of treatment you access depends on several factors, including the types of substances you’re using, how long you’ve been using them, how frequently you use them, and whether you have co-occurring mental health disorders.

It’s best to work with your primary care doctor or mental healthcare professional, who can talk to you about your substance use, home environment, and mental state to inform a decision about a treatment plan that addresses all of your needs.

Common treatment options that may be covered under your Ambetter from Magnolia Health insurance plan include:^4-6

• Detox. Although not always required, medically managed detoxification is often the first step in a comprehensive treatment plan. Detox allows your body to safely processes out the substances. Sometimes prescription medications may be used to manage the uncomfortable symptoms that can accompany withdrawal.
• Inpatient treatment. Inpatient care, sometimes referred to as residential treatment, requires you to live at the facility for the duration of treatment so you can focus completely on your recovery. In an inpatient program, you typically participate in psychoeducation, individual and group counseling, and behavioral therapies that help you understand the thoughts, emotions, and behaviors that led to your substance use and teach you coping strategies to avoid relapse.
• Outpatient treatment. Outpatient programs vary in terms of intensity and duration but allow you to live at home or in a sober living environment while attending counseling and therapy sessions at the treatment center, clinic, or hospital several hours each week.
• Intensive outpatient programs (IOPs). More time intensive than traditional outpatient programs, IOPs allow you to live at home or in a sober living environment. Most IOPs consist of at least 9 hours of treatment each week, though some are substantially longer and some are less.
• Partial hospitalization programs (PHPs). Sometimes referred to as day programs and similar in structure to inpatient treatment, PHPs provide counseling and therapy sessions for at least 20 hours each week in a hospital setting but allow you to return home or to a sober living environment at the end of each day.
• Aftercare. Aftercare programs, often referred to as ongoing care, can help support your long-term recovery and may include alumni activities, continued individual and group counseling, mutual-help meetings, and other resources and support to help you manage stressors and avoid relapse after your formal treatment program ends.

Certain covered services—including some services for a substance use disorder—may require prior authorization before you can begin treatment.⁷ Call the number on the back of your insurance card to talk to a Magnolia Health representative about the details of your specific plan with regard to addiction treatment.

What Length of Treatment Does Magnolia Health (Ambetter) of Mississippi Cover?

The length of time your insurance plan will cover your substance use disorder treatment program depends on your specific plan. Each Ambetter from Magnolia Health insurance plan specifies its limits and requirements for coverage. You can call the number on the back of your card and speak to a representative who can walk you through exactly what your insurance plan covers and for what length of time. You can also contact AAC and speak to one of our admissions navigators, who can review your insurance plan and help you understand what to do to get the care you need.

Does Magnolia Health (Ambetter) of Mississippi Cover Mental Health?

If you have co-occurring substance use and mental health disorders, an integrated treatment approach can address both disorders simultaneously.⁸ Ambetter from Magnolia Health covers some, if not all, of co-occurring disorder treatment as required by the ACA and the Mental Health Parity and Addiction Equity Act (MHPAEA), which ensures that health insurance companies offer coverage to members accessing treatment for substance use disorders and mental health conditions.⁹

In 2021, 19.4 million U.S. adults aged 18 or older had both a substance use and a mental health disorder.¹⁰ Data shows high rates of co-occurring substance use and several different mental health conditions, including:¹¹

• Generalized anxiety disorder.
• Panic disorder.
• Post-traumatic stress disorder (PTSD).
• Depression.
• Bipolar disorder.
• Attention-deficit hyperactivity disorder (ADHD).
• Borderline personality disorder.
• Antisocial personality disorder.

If you suffer from substance use and a mental health condition, talk to your doctor or mental healthcare professional about an appropriate care plan. You can then use your insurance to cover some or all of the costs of your treatment.

How to Pay for What Magnolia Health (Ambetter) of Mississippi Won’t Cover

As you look at treatment programs and review your insurance coverage, you might find that Ambetter from Magnolia Health only covers part of the cost of rehab, and you have to pay the rest. As with most health insurance plans, you should expect some out-of-pocket expenses, such as deductibles, copays, and coinsurances.

Luckily, there are many ways to pay for substance use treatment, including:

• Payment plans. Many programs allow you to set up a payment plan to take care of your portion of the costs of rehab, so you don’t have to pay in full up front.
• Loans. You can borrow money from family, friends, or a bank.
• Sliding scale of fees. Sliding scale fees adjust the costs according to what you can pay.
• Grants and scholarships. Some government programs and treatment centers offer grants and scholarships to eligible individuals.

Don’t let cost prevent you from getting the treatment you need now. Financing options exist for those who need them.